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元大台灣50

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元大高股息

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台積電

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聯發科

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元大台灣價值高息

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鴻海

美元台幣匯率

32.634

台幣日圓匯率

4.791

台幣歐元匯率

0.029

台幣韓元匯率

44.317

台幣英鎊匯率

0.024

台幣人民幣匯率

0.224

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元大台灣50 ▸ |

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元大高股息 ▸ |

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台積電 ▸ |

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聯發科 ▸ |

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元大台灣價值高息 ▸ |

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鴻海 ▸ |
美元台幣匯率 ▸ 32.634 | 台幣日圓匯率 ▸ 4.791 | 台幣歐元匯率 ▸ 0.029 | 台幣韓元匯率 ▸ 44.317 | 台幣英鎊匯率 ▸ 0.024 | 台幣人民幣匯率 ▸ 0.224
綜合

窮思維、富邏輯》為什麼80%的人都在虧錢?吳淡如揭露「從眾心理」正在偷走你的財富

窮思維、富邏輯》為什麼80%的人都在虧錢?吳淡如揭露「從眾心理」正在偷走你的財富

窮思維、富邏輯》為什麼80%的人都在虧錢?吳淡如揭露「從眾心理」正在偷走你的財富

窮思維、富邏輯》為什麼80%的人都在虧錢?吳淡如揭露「從眾心理」正在偷走你的財富

在現代社會中,人們似乎越來越習慣向他人尋求意見,對於做出獨立決策反而顯得有些懶惰。知名作家吳淡如在其著作《窮思維、富邏輯:人生實用商學院之致富之前先自主》中指出,那些總是急於在最短時間內獲得答案的人,往往會失去自己的聲音,甚至變得越來越沒有自我。

吳淡如認為,許多人在遇到問題時習慣性地尋求他人的建議,其實只是想看看別人的答案是否與自己內心的預期一致。這表面上看起來像是客觀的市場調查,實際上,這只是一場自我驗證的「市場是否贊同我」的實驗,若他人不贊同,他們往往便不予理會。

舉例來說,吳淡如提到她常被問到:「現在是否應該買房子?」但這類問題的答案其實因人而異,需要根據個人現有的財力、需求以及購房目的等多種因素來做決策。她強調,這些問題的提出本身反映出提問者的從眾心理,他們傾向於相信「大家都認為怎樣才對」的答案,而這樣的心態往往更容易導致投資失敗或陷入詐騙。

根據80/20原則,吳淡如提醒讀者,如果跟著大多數人行動,保證無法真正致富。她引用投資界的傳奇人物霍華.馬克斯(Howard Marks)的觀點,指出若想超越市場,必須與市場共識對抗,遠離大眾的行為模式。

霍華.馬克斯在其著作《投資最重要的事》中強調:「如果要比大盤賺得多,我們就要與市場共識對抗。」吳淡如指出,當每個人都看好某支股票時,價格已經不便宜,最賺錢的機會往往已經消失。因此,真正的投資智慧在於在群眾悲觀時買進,在群眾樂觀時賣出。

然而,吳淡如也提醒,逆向投資並非一味地反其道而行。她強調,投資者需要對群眾的樂觀或悲觀保持懷疑,並保持觀察的耐性,而非急於做出與眾不同的決策。市場的趨勢往往需要時間來改變,即使看對了方向,也可能在市場改變前耗盡資源。因此,逆向投資需要足夠的資本和耐心,並非所有人都能輕易實施。

▲知名作家吳淡如

吳淡如還提到,市場上的「常勝軍」實際上非常少。她舉例說,在2000年左右的科技股泡沫中,許多科技基金曾短暫超越巴菲特,但這種超越只是在特定的年份中發生,並不代表長期的成功。因此,她強調,投資並不是追隨大眾的腳步,而是尋找被低估的機會。

在新冠疫情期間,市場的走勢也讓許多人感到措手不及。在美股初期大跌時,沒有人敢公開呼籲樂觀,但隨後股市卻在恐慌中出現了驚人的反彈。吳淡如藉此提醒讀者,不要盲目地跟隨大眾的直覺,要學會相信自己的判斷。她指出,做出獨立決定,即便結果是跌入深坑,至少那是自己的選擇,而非被他人推入,這樣的經歷雖然痛苦,但卻更加值得。

窮思維、富邏輯》為什麼80%的人都在虧錢?吳淡如揭露「從眾心理」正在偷走你的財富〉這篇文章最早發佈於《668 News》。

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